Whether it’s a mortgage broker or a financial planner, any professional in the Perth investment property market will tell you that it is mandatory that you keep abreast of market developments. Mortgage rates and property prices both play a part in home loan or investment loan repayments on your Perth property. We always recommend consulting [Continue Reading]
WARNING: Avoid These Mistakes When Selling Your Property
When you are selling an investment property, we always recommend consulting your financial planner first. Your financial planner can ensure that selling the property is appropriate for the short and long-term health of your investment portfolio. In Perth, it is especially important because the market is so competitive. When selling a property, we have seen [Continue Reading]
Due Diligence: Conducting Your Own Pre-Purchase Inspection
When we broker a home loan, mortgage brokers in our Perth office always like to remind our customers to do what is known as “due diligence” in every facet of buying their home. Due diligence means assembling enough information to ensure that you know exactly what you are getting and that you are getting as [Continue Reading]
How to Maximise Your Super
Since last year’s changes, our financial planners have received a lot of calls about how to make the most of a self-managed superannuation fund or SMSF and what new investment opportunities are available in Perth. Superannuation benefits are scheduled to increase to 12% over the next few years. The preparations you make now are crucial, [Continue Reading]
The Common Mistakes Investors Make on “Fixer-Uppers”
Financial planners and mortgage brokers alike have worked with a lot of clients in and around Perth who purchase homes as “fixer-uppers” and plan to maximise their investments by fixing them to increase their market value. However, can you always increase the value of your property enough to cover the costs of renovation? If you [Continue Reading]
Review of Policy for Residential Developments with Split Contracts
If you are one of the many using investment loans to finance residential developments with split contracts, our financial planners would like to tell you how the new Commonwealth Bank of Australia policy can affect your properties in Perth. We know that CBA isn’t the only lender out there, but those who haven’t adjusted to [Continue Reading]
How You Can Help Solve the Housing Affordability Problem in Perth While Maximising Your ROI
At Investors Edge, we specialise in helping our clients maximise the returns on their investment properties in the Perth area. Since the Global Financial Crisis and the hangover it has left on the world economies, investing in property is a lot more volatile than it used to be. Consequently, it is more difficult to produce [Continue Reading]
5 Important Questions to Ask When Subdividing Investment Property in Perth
The market for investment property in Perth and across Australia has become a lot more volatile over the last 5 years. It is a poor strategy to just rely or hope to get capital growth, so many are looking for alternative strategies to add value to their investment properties in Perth. One of the more [Continue Reading]
Australian Home Buyers Hammered by Stamp Duty Tax
As many who have recently obtained a home loan in the Perth area probably noticed, stamp duty taxes can often brutalise those who are buying a home. As most mortgage brokers can tell you, the tentative recovery of the Perth real estate market has been a mixed blessing for many. It has helped those who [Continue Reading]
The Hidden Metric for Increasing Your Borrowing Capacity
If you talk to any mortgage broker in Perth, you will quickly find out that the lending companies have a lot of metrics by which they determine who is going to get credit and how much they are going to get. There are a lot of standard metrics that make common sense, but there is [Continue Reading]
How Quickly can You Save a Deposit?
Due to a high cost of living, mortgage brokers and financial planners in Perth are often asked by potential first home buyers how to save up for a deposit on a home. The next question is usually “how long will it take?” The answer, of course, is dependent on how much money you can put [Continue Reading]
3 Factors that Determine Whether a Property is Right for You
Our mortgage brokers and financial planners have a lot of experience with home loans and investment loans in the Perth area. In our office, we offer both services. While each professional performs his or her speciality, there is still a lot of knowledge that “bleeds over” between positions. Consequently, our mortgage brokers know a substantial [Continue Reading]
What Everybody Ought to Know About Reverse Mortgage
Of the many different kinds of home loans and investment loans available in Perth, a reverse mortgage sounds like a great deal–it is great in theory. When you are older, you can use the equity in your house to live on, and then your estate can sell the house when you die, and your heirs [Continue Reading]
Is Overseas Investing Worth the Risk?
Financial planners in Perth are often asked if investors can make a lot of money investing overseas. The short answer is “yes, but it is really risky.” While the risks can be overcome and some investors can make money with overseas investments, we would rather see you use your investment loans right here in the [Continue Reading]
Questions to Ask Your Loan Provider
The market for home loans in Perth has become extremely competitive. Now, a person who just takes whatever the “home bank” has to offer can leave thousands of dollars laying on the table. There are so many different factors affecting home loans that we always recommend hiring one of the many qualified mortgage brokers in [Continue Reading]
Now that the Election is Over, Investors are Regaining Confidence
Elections are over and mortgage brokers and financial planners in Perth are already busy. As everyone knows, the Coalition soundly defeated Labor, but which side won isn’t as important as the knowledge that we now have some stability in the government. Let us preface the rest of this blog piece by saying that we don’t [Continue Reading]
7 Tips for Finding the Right Investment Property
Our mortgage brokers handle a lot of home loans for investment properties in Perth. While we would like to report that every investor we have ever helped get a loan has prospered, there are unfortunate exceptions. While no investment property is ever guaranteed to make money, we can state with confidence and experience that following [Continue Reading]
Why You Should Avoid Negative Gearing
We handle a lot of investment property in Perth. In the office, we pretty much live and breathe everything that has anything to do with investment property. From time to time, the concept of negative gearing becomes popular among investors. We have never believed in negative gearing–except on a very short-term basis– and believe that [Continue Reading]
What the Superannuation Changes Mean to You
Since the recent changes in the Superannuation legislation, the financial planners in our Perth office have been working hard to figure out all of the ramifications. While we will have more in later months, we thought we’d share our collective thoughts here now that we have had slightly over a month to see how people [Continue Reading]
Can You Profit from Perth R-Code Changes?
Perth property managers and real estate agents are fielding a lot of questions lately, about the new R-Code changes that went into effect on 2 August. While it may take as long as a year for the full implications of the changes to appear, we think–at least for now–that they represent an excellent opportunity for [Continue Reading]